California Auto Insurance: Know the Law Before You Buy

Automobile insurance is required in most states, including California. Knowing what the law requires and what it does not require can help buyers pick the best insurance for them at the most affordable price. Go to californiaautoinsurancequote.org, to find the lowest insurance rates offered in California. Ignorance is not an excuse according to the law. Below is some useful information all California drivers should know followed by a convenient quote widget to assist you in quickly locating the best insurance rates in California.

California Laws and Minimum Requirements for Auto Insurance

California drivers are only required to carry liability insurance. However, anybody that possesses assets of any value is encouraged to purchase more than the minimum coverage. Most damage caused by accidents cost more than the legal minimum requirements cover. Some accidents are not covered by liability insurance at all. That is why it is advisable to carry additional coverage for personal protection. For example, drivers in California are not required to purchase no-fault coverage. Instead, PIP and UM/UIM coverage is available as optional additions to your policy. The table below shows the minimum legal insurance requirements of California and the suggested coverage.

Coverage

Requirements

Most Common

Bodily Injury Liability

15,000/30,000

100,000/300,000

Property Damage Liability

5,000

100,000

Uninsured Motorist Bodily Injury

Not required

100,000/300,000

Personal Injury Protection

Not Required

50,000 per person

Medical Payments

Not required

5,000

Collision

Not required

500 deductible

Comprehensive

Not required

250 deductible

Each state also has its own speed limit laws. Most of the time speed limits are posted. The speed limits in California are as follows unless otherwise posted:

Speed Limits

Rural Interstate

70 mph; trucks:55

Urban Interstate

65 mph; trucks:55

Other Limited-Access

70 mph; trucks 55

Other Roads

65 mph; trucks:55

Where to Find Additional Information on California Auto Insurance

A little knowledge can save big bucks. In some states, it can cost a couple hundred dollars if your registration card is not signed and you are pulled over and it is asked for. Learn more about California’s vehicle laws, regulations, and insurance requirements by visiting the following links:

How to Find California Auto Insurance Discounts

There are many discounts available for California automobile insurance policy. Some examples include discounts for teen drivers, multi-policy discounts and discounts for good driving records and good credit scores. Ask your insurance agent about available discounts to find the ones that apply to you.

Car insurance is a legal requirement in California. Finding the right policy at the right price will take some work. Start by becoming familiar with the laws and then decide what is best for you. Then use the quote generator below to compare costs. Visit californiaautoinsurancequote.org, to begin finding the best rates for you.

Start shopping for the best insurance rates today even if you already have insurance. Save money by making sure you have the best coverage for you at the best price.

For more specific information relevant to you, check out our informative pages on these top California cities: